Road frustration index risk mapping and mitigation

ABSTRACT

A system for determining a road frustration index value includes a vehicle and a user computing device within the vehicle and a remote computing system, where a telematics system associated with the vehicle senses a speed of the vehicle. The computing device calculates, in near real-time and based on vehicle speed information and the road class of one or more route segments of a travel route, a first frustration level value associated with the driver of the vehicle and identify, based on whether the first frustration level value meets a criterion, an alternate route segment having second frustration level value predicted to be less than the first frustration level value. The remote computing system receives information associated with the first route segment and the alternate route segment and calculates insurance cost based on the road frustration index values associated with a route traveled in the vehicle.

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a continuation of patent application Ser. No.15/296,915 entitled “Road Frustration Index Risk Mapping and Mitigation”that was filed on Oct. 18, 2016, and is related to patent applicationSer. No. 15/299,239 entitled “Road Frustration Index Risk Mapping andMitigation”, which is also a continuation of patent application Ser. No.15/296,195 and issued on Apr. 18, 2017 as U.S. Pat. No. 9,625,266, bothof which are incorporated by reference.

TECHNICAL FIELD

Aspects of this disclosure relate generally to risk mitigation. Moreparticularly, aspects of this disclosure relate to using geographicallyencoded information to determine ways to mitigate risk by identifyingand reducing driver frustration levels.

BACKGROUND

Drivers may experience varying levels of frustration while driving aroute in a vehicle, particularly when the driver encounters unexpecteddelays due to abnormal driving conditions including, but not limited to,road, weather and/or traffic conditions. Studies have shown thatfrustrated drivers may be more likely to engage in risky behavior,particularly as their level of frustration increases. Although insurersmay vary insurance premiums based on garaging location (by state,county, etc.), there is a need in the art for enhanced systems andmethods to better account for variations due to location-basedfrustration experienced by drivers and subsequently acting accordingly.In some cases, insurers may use location-based technology such as GPS(global positioning satellites) to monitor the location of vehicles.Nevertheless, there is a need in the art for a technique for identifyingand/or predicting a level of frustration associated with one or moreroute segments of a travel route using the various aspects disclosed bythe present invention. Therefore, there is a benefit in the art for anenhanced method and device for calculating a frustration levels for aroad segment and using it to, among other things, mitigate risk.

SUMMARY

Aspects of this disclosure overcome problems and limitations of theprior art by providing a method for mitigating the risks associated withdrivers experiencing different levels of frustration, such as byassigning a frustration level to each of a plurality of road segmentsand using those frustration levels to identify a travel route that mayreduce a level of frustration experienced by the driver and reduce theassociated risks. In some cases, drivers may be incentivized by usingthose frustration levels and/or a driver's reaction to an indication ofthe frustration levels, such as by providing an insurance incentive(e.g., a rate variable on the level of frustration of a route and/or adriver's likelihood in accepting a provided alternate route with areduced frustration level, a rate reduction corresponding to a driver'spast or near-real time reaction to a provided frustration level, etc.).

Various approaches to helping users mitigate driving frustration arepresented. In accordance with aspects of this disclosure, a system mayinclude a vehicle, a computing device associated with a user travellingwithin the vehicle and/or a road frustration index computing system thatmay be communicatively coupled to the computing device. In some cases, asystem for determining a road frustration index value may include avehicle and/or a computing device associated with a user travellingwithin the vehicle. A telematics system associated with the vehicle mayinclude a sensor to sense a speed of the vehicle. The computing devicemay receive, from the vehicle telematics device, speed informationrepresentative of a current vehicle speed and may receive, from a mobilelocation detection unit, information identifying a road class associatedwith each of a plurality of road segments of a route. The computingdevice may then calculate, in near real-time and based on the speedinformation and the road class, a first frustration level valueassociated with the driver of the vehicle and identify, based on whetherthe first frustration level value meets a criterion, an alternate routesegment having second frustration level value predicted to be less thanthe first frustration level value.

In some cases, a vehicle may include an input device accessible to anoccupant of the vehicle. The input device may be used to receiveinformation regarding the occupant's emotional reaction (e.g., a senseof frustration) regarding a plurality of road segments upon which thevehicle is travelling. In some cases, the input device may comprise apressure transducer, a switch, a microphone, or other form of inputdevice. The vehicle may further include a communication interfacecommunicatively coupled to the input device. The communication interfacemay be used for communicating the frustration information via a wirelesscommunication protocol to a remote computing system. In some cases, theremote computing system may include a road frustration index analysisengine that may be used for analyzing the frustration informationreceived from the user to determine a road frustration index valueassociated with the user corresponding to a particular road segmentunder the traffic and/or weather conditions experienced at the time ofuser of the input device.

The details of these and other embodiments of this disclosure are setforth in the accompanying drawings and description below. Other featuresand advantages of aspects of this disclosure will be apparent from thedescription and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Aspects of this disclosure may take physical form in certain parts andsteps, embodiments of which will be described in detail in the followingdescription and illustrated in the accompanying drawings that form apart hereof, wherein:

FIGS. 1A and 1B depict illustrative block diagrams of operatingenvironments in accordance with aspects of this disclosure;

FIG. 2 shows an illustrative operating environment in accordance withaspects of this disclosure;

FIG. 3 depicts an illustrative block diagram of a system for generatingand using driver frustration information associated with one or moreusers in accordance with aspects of this disclosure;

FIG. 4 shows an illustrative block diagram representation of a vehicleinterior according to aspects of this disclosure;

FIG. 5 shows an illustrative method for determining a frustration indexvalue associated with frustration levels experienced by a driver of avehicle in accordance with aspects of this disclosure;

FIGS. 6A and 6B show an illustrative representation of road segmentsaccording to aspects of this disclosure;

FIG. 7 shows an illustrative table for use in determining a roadfrustration index for a driver according to aspects of this disclosure;and

FIG. 8 shows an illustrative table for use in determining a travel timedelay associated with an illustrative road segment for a driveraccording to aspects of this disclosure.

It will be apparent to one skilled in the art after review of theentirety disclosed that the steps illustrated in the figures listedabove may be performed in other than the recited order, and that one ormore steps illustrated in these figures may be optional.

DETAILED DESCRIPTION

Systems and methods in accordance with aspects of this disclosure may beprovided to generate a road frustration index value corresponding to alevel of frustration being experienced (or predicted to be experienced)by a driver along one or more road segments. In some cases, the roadfrustration index values may be provided to a user, such as by creatinga map reflecting an associated road frustration index values for aplurality of road segments along a driving route. Such a map may begenerated using information received from a vehicle associated with theuser regarding at least a vehicle speed. In some cases, one or moreinputs may be provided to allow a driver to enter informationcorresponding to the driver's feeling of frustration (e.g., high,medium, low, etc.) as the vehicle travels along a particular routesegment. For example, the driver may provide information correspondingto a low level of frustration along a route segment on which the vehicleis traveling at near the rated speed, or a high level of frustrationwhen the vehicle is traveling at a low level of speed. In some cases,the road frustration index may be modeled based on a mathematicalequation based on a vehicle speed and a road classification type (e.g.,highway, non-arterial, subdivision, residential, city, country, etc.).In some cases, additional information may be used when calculatingand/or predicting a road frustration index value, such as by usinghistorical traffic information, time of day information, weatherinformation, and/or the like. In some cases, the road frustration indexvalue may be generated local to the driver, such as on a computingdevice located in the vehicle (e.g., a vehicle computing system, amobile phone, a laptop computer, etc.) In some cases, the roadfrustration index value may be generated local to the driver, such as ona computing device remotely located from the vehicle, such as at abusiness organization computing system (e.g., an insurance agencycomputing system comprising a road frustration index evaluation system,etc.).

In some cases, one or more conditions experienced by the driver may havean effect on a level of frustration being experienced by the driver andmay be included in a calculation of a road frustration index value forone or more road segments of a travel route. Such conditions mayinclude, but not limited to, road conditions (e.g., potholes, standingwater, turns, bridges, narrow lanes, darkness, etc.), a time of day,weather conditions (e.g., rain, fog, wind, storms, an angle of sunshine,etc.), environmental hazards (e.g., debris in the road, a threat ofdebris falling into the roadway, smoke from a nearby fire, etc.), aparticular human condition, and/or other people within the vehicle(e.g., a number of people in the vehicle, a noise level within thevehicle, a number of children being present, etc.), traffic flow, one ormore traffic patterns, a traffic amount (e.g., heavy traffic), a time ofday (e.g., night driving, rush hour, etc.), an event that may have aneffect on traffic congestion (e.g., a concert, a sporting event, apolitical rally, etc.), pedestrian traffic (e.g., e.g., a crosswalk, aschool zone, etc.), and the like. In some cases, the information may begathered in near real-time, at time intervals during a trip, before atrip, after a trip, or the like.

When information is gathered during a trip, either in near-real time, orat time intervals, the information may be collected via one or moreinput devices that may include a voice-based application or a buttoneasily (and safely) accessible to the driver or other occupant. Forexample, a driver may speak a key word (e.g., “high”, “low”, etc.) orpress a button to indicate a current frustration level. In some cases,the information is entered as a binary entry. For example, the driver isor is not experiencing frustration. In other cases, the driver may beable to indicate a level of frustration when providing the information.For example, the driver may be prompted at the conclusion of the trip toenter additional information about any route segments in which thedriver has experienced frustration. In other cases, the user inputdevice may be capable of providing the additional information at thetime of entry. For example, the user input device may not only becapable of detecting a time at which the driver indicates the feeling offrustration, but also sense a level of frustration at the time, such asby logging a vehicle speed and location information that may be used toidentify a road classification type.

In some cases, one or more sensors may optionally be used (e.g.,biometric sensors, pressure sensors, microphones, etc.) to generate asignal representative of a driver's feeling of frustration, without thedriver consciously providing the information. For example, one or morebiometric sensors may be used to sense an increase in a heart rate,breathing rate, and/or the like. In other cases, a pressure sensor maybe embedded within the steering wheel of the vehicle and configured forsensing a grip pressure. Such examples illustrative and are not to limitthe sensor type or location to the enumerated examples.

In some cases, the one or more mathematical algorithms may bepersonalized based on information corresponding to a particular driver.For example, the mathematical algorithm may include one or moreweighting variables that may be adjusted based on a particular driver'sprofile, driving history, historical road frustration index values,and/or the like. In an illustrative example, an algorithm may utilize alinear relationship between the vehicle travelling at a percentage ofrated speed and the determined level of frustration for a particulardriver on a particular road segment or road classification type whendetermining a value for one or more weighting variables.

In some cases, a personalized mathematical algorithm may be generatedfor each driver or group of drivers (e.g., student drivers, driverswithin a specified age range, etc.). For example, an algorithm mayinclude one or more weighting factors that may be adjusted based oncharacteristics of a particular driver or group. By using personalizedalgorithms, the same road segment may have a different road frustrationindex values based on the personalized weighting factors for eachdriver. In an illustrative example, an algorithm for scoring aparticular road segment may include one or more weighting factorsassociated with different traffic loadings that may be encountered overa day on the particular road segment. For example, the road segment maybe known to experience heavy traffic loading during particular times ofday (e.g., rush hour, sporting event start or end times, etc.), where afirst driver may be expecting heavier traffic, therefore an associatedweighting factor may be used to provide a low weighting (e.g., 0.1, 0.2,etc.) at these times of day. However, a second person (e.g., aninexperienced driver) may have a greater sense of frustration whencaught in rush hour traffic, so that the weighting factor may cause thistraffic loading time to have an increased weight (e.g., 0.6, 0.7, etc.)in the calculation of the road frustration index. By customizing orpersonalizing the mathematical algorithm, the resulting road frustrationindex value will be a more accurate predictor of how much risk may becaused due to a level of frustration being experienced along aparticular road segment by a particular driver, or other drivers on theroad at the same time.

In an illustrative example, the mathematical algorithm customized forthe first driver may predict that the first driver will experience lowerfrustration (e.g., a road frustration index value of 2, 3, etc.) basedon expected rush hour traffic, while the mathematical algorithmcustomized for the second driver may predict that the second driver willexperience a higher level of frustration with rush hour traffic alongthe same road segment. (e.g., a subjective risk score of 6, 7, etc.). Insome cases, the mathematical algorithm and/or the weighting factors usedin the mathematical algorithm may be updated for the particular driverupon entry of new information in near real-time, at a defined interval,upon a driver profile update, when an application is started or stoppedand/or the like. In some cases, the mathematical model may besubstantially similar for all drivers, such as by using a mathematicalmodel based on results of studies performed to measure actualfrustration experienced on different road types as compared to a ratioof vehicle speed to the posted speed limit.

In some cases, a risk map including a road frustration index valueassociated with one or more route segments may be used to generateeducational and/or training routes to assist drivers in improving one ormore aspects of their driving. While all drivers may benefit from suchtraining routes, student drivers and/or newly licensed drivers maybenefit the most. For example, the route frustration index informationmay be used to determine routes (e.g., a plurality of route segments)that allow drivers to identify traffic and/or road conditions that maycause frustration in themselves and/or in drivers near their vehicle, sothat the drivers can recognize these situations so that the driver canrecognize risk exposure and/or risky behaviors that may result fromactions taken by a frustrated driver. Each driver may generate a customroute based on a personalized mathematical algorithm and/or afrustration risk profile. The driver may then be moved to other types ofroads on which they need experience. In such cases, the road frustrationindex information may be used, not only to minimize risk, but rather togenerate routes that give a very slight frustration, to allow a driverto practice and become more comfortable with such situations.

In some cases, when a driver experiences a lack of unease or frustrationfor too long, even in safe driving conditions (e.g., a route segmentwith a low objective risk score), the driver may engage in riskierbehavior because he/she may lose focus on the road. In such cases, aroute may be generated where, rather than minimizing frustration, aroute may be generated where the route segments may average to aspecified level of frustration along the entire route and/or may includeat least some route segments with some level of elevated frustration. Insome cases, such a route may actually be safer because it allows thedriver to become more focused than the drivers that are driving a routewith a little to no level of frustration. In some cases, a route may begenerated such that the route segments may alternate between periods ofsome frustration (e.g., medium frustration, low frustration, etc.) andperiods of minimal or no subjective risk. In some cases, such a routemay ultimately result in being the safest route. As such, thecustomizable algorithms may be used to determine that frustration levelsmay not need to be minimized over an entire route to maximize safety,and that there may even be a target frustration level (e.g., an averagefrustration index value of 1, 2, 3, etc.) that maximizes safety for eachdriver. In some cases, the target frustration index value may be a settarget for all drivers, a group of drivers, or may be customizable foreach individual driver.

In some cases, the one or more algorithms may each utilize a differentrelationship based on an equation or an exponential relationship betweena sensed vehicle speed and the determined level of frustration. In somecases, a personalized algorithm may utilize one or more thresholds toindicate a level of frustration, where a speed below a threshold mayindicate a lesser level of frustration and a pressure above thethreshold may indicate a higher level of frustration, based on a roadtype being traveled and/or a time of day of the trip. In some cases,other parameters may be used instead of, or in addition to, vehiclespeed, such as a time duration during which a speed level was reduced,where the length of time may be analyzed to determine a level offrustration. In many cases, the frustration index values identified fordifferent road segments may be aggregated over a population of drivers(e.g., all drivers, drivers with similar characteristics, etc.) todetermine a level of frustration that may be associated with thedifferent road segments. Such information may be used to predict afrustration level value that may be experienced on route or routesegment upon which a driver may travel. In some cases, historicaltraffic information may be used to provide a speed indication that maybe experienced at different times of the day based on the historicaltraffic patterns. In some cases, historical weather information and/orweather forecast information may be used to identify one or moredifferent weather conditions (e.g., wind, snow, rain, etc.) that mayhave an effect on traffic speeds, and thus may have an effect whencalculating predicted and/or near real time road frustration indexvalues on a particular road segment.

A frustration risk analysis system may receive information via a networkfrom one or more drivers (or vehicles) and analyze the road frustrationindex information (e.g., speed, time of day, road classificationinformation, etc.) to determine a road frustration index valueassociated with each driver based on a mathematical algorithm. In somecases, the road frustration index information may be used as inputs tothe mathematical algorithm and/or used to modify the algorithm itself sothat the mathematical algorithm may be customized for each driver. Byusing such a customizable algorithm, the road frustration index valuemay be personalized for individual drivers such as by using personalizedweighting factors for different road segments, geographical areas, roadtimes, and the like. This road frustration index value may berepresentative of types and levels of experiences that the driver mayencounter upon a route before experiencing a level of frustration. Insome cases, this road frustration index value may be representative oftypes and/or levels of risks a driver may take when certain frustrationindex thresholds are met. For example, a driver experiencing a highlevel of frustration, such as an extended period of time of low speedmovement on a particular road type (e.g., a divided highway), may decideto make one or more risky actions, such as swerving across lanes oftraffic to exit the highway, shoulder riding behavior, taking anunauthorized U-turn in an authorized vehicle only lane, and the like.The likelihood of the driver taking such risks may become greater as thelevel of frustration increases, particularly when the frustration isexperienced over an extended period of time.

Further, the frustration index values may be used to represent that atleast a portion (e.g., a specified percentage) of a route upon which aparticular driver may experience a minimum (or maximum) of frustration.The frustration index value may also be used to represent a pattern ofrisk across a plurality of route segments of a route, where a transitionbetween a route segment having a low road frustration index value and aroute segment having a higher road frustration index value may be mademore gradual to avoid a quick transition between road frustration indexlevels. In such cases, a route provided to a driver may have a roadfrustration index value for the complete route having a higher overallrisk than a different route that may include a quick transition betweenroute segments with low road frustration index values and high roadfrustration index values. These road frustration index values, alongwith any identified risks for which the driver may experience along theroute, may be used to determine a road frustration index map and/or oneor more routes for the driver to follow to minimize an amount of drivingfrustration experienced by the driver during a trip.

In some cases, the road frustration index value may be combined with oneor more other scores related to a risk that may be identified from theroute, such as an objective risk score, a subjective risk score, etc.The resulting combined risk score may be output by the computing deviceas an “overall” risk score. In some cases, one or more road frustrationindex values may be used to supplement an objective risk score, asubjective risk score and the like. In some cases, the objective riskscore and/or a subjective risk score may be used to supplement acalculated road frustration index value. For example, the subjectiverisk identified for a route may correspond to one or more roadcharacteristics, such as a case where a person may experience a greaterlevel of frustration in a road segment having elevated traffic loadingnear a blind left-hand turn. An objective risk map having arepresentation of an objective risk score for a particular road segmentmay show an indication that a greater number of accidents may occuralong the road segment having a blind left-hand turn, however asubjective risk may be reduced for that particular driver as thesubjective risk score may predict that the driver may be more alert whenapproaching that particular road segment. In some cases, the roadfrustration index value may indicate that the same driver may be morelikely to engage in a risky turn at the blind left-hand turn when theirroad frustration index value is high.

In some cases, rather than simply minimizing risk, a road frustrationindex value may be calculated to provide a desired level of frustrationfor a route, such as at a level (e.g., about 1, about 2) to keep adriver alert and/or attentive. In an illustrative example, a roadfrustration index value may be specified and used to generate a routehaving a road frustration index average corresponding to an “optimal”level of frustration such that the driver remains alert, but notparticularly uncomfortable. In some cases, this optimal level of riskmay be customized for each individual driver. For example, the roadfrustration index values determined for a particular driver may becompared to a threshold and/or an average of road frustration indexvalues of similar drivers (e.g., similar in age, experience,demographics, etc.) for different road classification types, types ofroad hazards (e.g., an unprotected left turn, road geometry, landscapefeatures, etc.) and/or conditions (e.g., rain, snow, wind, etc.).

For example, this information may be analyzed using one or moremathematical algorithms to determine a location and/or a likelihood thata subjective risk may exist along a route. The road frustration riskanalysis system may further incorporate objective risks (e.g.,construction areas, wildlife areas, accident prone areas, dangerousintersections, etc.) and/or subjective risks (e.g., blind left-handturns, bridges, etc.) when generating a map and/or routes forpresentation to the driver. Such information may be overlaid on a mapand indicate such risks based on a particular driver, or a particulargrouping of drivers. Drivers may be grouped by any combination of age,relative driving experience, a driver license type (e.g., passenger,commercial, etc.), a number of passengers within the vehicle, apreference of route types (e.g., a fastest route, a route avoiding majorroadways, etc.) and/or the like. In some cases, the drivers may begrouped based on one or more road frustration index values that may bestored as a portion of a profile for each driver. For example, one ormore groups of drivers may be formed based on the drivers having similarfrustration index values across a variety of situations that may beencountered along a route or by having similar risk profiles.

In some cases, a business organization, such as an insurance company,may utilize the information gathered on road frustration index valuesexperienced on a route, a subjective risk map, an objective risk map andthe like to determine where the different maps are aligned or aredifferent. In some cases, the insurance company may analyze theinformation to determine which drivers may experience a lower level offrustration or a higher level of frustration as compared to the totalpopulation of drivers. In such cases, the business organization may usethis information to inform business rules and/or policies. For example,an insurance company may incorporate such information regarding roadfrustration index values, subjective risks and/or objective risks intoan overall risk score for a particular driver. In some cases, theoverall risk score may be used to identify educational materials orprovide tools that may be used in providing training for a driver so toavoid participating in risky driving (e.g., cutting other drivers off,short stopping, hard braking, hard cornering, unauthorized lane change,unauthorized U-turns, etc.) when the driver is experiencing elevatedlevels of frustration.

In some cases, in accordance with aspects of this disclosure, one ormore of a personal navigation device, a vehicle, a mobile device, and/ora personal computing device may access a database of risk valuesassociated with stored historical road frustration index values toassist in identifying and presenting alternate low-risk travel routes.The driver may select among the various travel routes presented, takinginto account his/her tolerance for risk. In some cases, a particularroute may be suggested as being the route with the lowest associatedpredicted and/or historical frustration levels. In some cases, thepersonal navigation device, the computing system of a vehicle, themobile device and/or the personal computing device may be used to obtainan objective risk score associated with one or more routes and/oralternate routes. In some cases, the predicted and/or near-real timeroad frustration index values may be used to generate an insurancepremium and/or an incentive corresponding to insurance coverage for adriver based on a road frustration index values associated with a routetraveled in the vehicle.

FIG. 1A illustrates a block diagram of a computing device (or system)101 (e.g., a road frustration index calculator) in a computer system 100(e.g., frustration level mapping and mitigation computing system) thatmay be used according to one or more illustrative embodiments of thedisclosure. The computing device 101 may have a processor 103 forcontrolling overall operation of the computing device 101 and itsassociated components, including one or more memory units (e.g., RAM105, ROM 107), an input/output module 109, and a memory 115. Thecomputing device 101, along with one or more additional devices (e.g.,terminals 141 and 151, security and integration hardware 160) maycorrespond to any of multiple systems or devices, such as a subjectiverisk analysis system and/or an input device configured as describedherein for determining a level of subjective risk experienced by adriver for a particular road segment, determining an overall level ofrisk associated with different road segments, determining a subjectiverisk tolerance for a driver, or grouping of drivers, generating asubjective risk map identifying road segments having some level ofassociated subjective risk, and/or generating one or more routes for adriver, or group of drivers based on a desired level of subjective riskexposure. In some cases, the level of subjective risk determined for aroute may be combined with a level of objective risk calculated for theroute to determine a combined objective/subjective risk score for theroute.

The input/output (I/O) 109 may include one or more user interfaces, suchas a microphone, a keypad, one or more buttons, one or more switches, atouch screen, a stylus, one or more pressure sensors, one or morebiometric sensors, and/or one or more other sensors (e.g., anaccelerometer, a gyroscope, etc.) through which a user of the computingdevice 101 may provide input, and may also include one or more of aspeaker for providing audio output and a video display device forproviding textual, audiovisual and/or graphical output. Software may bestored within memory 115 and/or storage to provide instructions toprocessor 103 for enabling device 101 to perform various actions. Forexample, memory 115 may store software used by the device 101, such asan operating system 117, application programs 119, and an associatedinternal database 121. The various hardware memory units in memory 115may include volatile and nonvolatile, removable and non-removable mediaimplemented in any method or technology for storage of information suchas computer readable instructions, data structures, program modules orother data. The memory 115 also may include one or more physicalpersistent memory devices and/or one or more non-persistent memorydevices. The memory 115 may include, but is not limited to, randomaccess memory (RAM) 105, read only memory (ROM) 107, electronicallyerasable programmable read only memory (EEPROM), flash memory or othermemory technology, CD-ROM, digital versatile disks (DVD) or otheroptical disk storage, magnetic cassettes, magnetic tape, magnetic diskstorage or other magnetic storage devices, or any other medium that canbe used to store the desired information and that can be accessed byprocessor 103.

The processor 103 may include a single central processing unit (CPU),which may be a single-core or multi-core processor (e.g., dual-core,quad-core, etc.), or may include multiple CPUs. In some cases, theprocessor 103 may have various bit sizes (e.g., 16-bit, 32-bit, 64-bit,96-bit, 128-bit, etc.) and various processor speeds (ranging from 100MHz to 5 Ghz or faster). The processor 103 and its associated componentsmay allow the system 101 to execute a series of computer-readableinstructions, for example, to determine a road frustration index valueassociated with one or more of a plurality of road segments and/or todetermine a user's tolerance for driving-related frustrationsexperienced while traveling along a route. In some cases, theinstructions may be configured to cause the processor 103 to determineone or more routes for a user to travel based, at least in part, on theuser's tolerance for road frustration that may occur along the route. Inother cases, the instructions may be configured to cause the processor103 to determine, using aggregated road frustration index informationobtained from a plurality of users, a risk map, where road frustrationindex values may be overlaid over the map to show areas where driversexperience frustration, and/or other risks, while travelling along aroute.

The computing device 101 (e.g., a customer terminal, an insuranceprovider computer hardware memory and processor system, an insuranceclearinghouse computer memory and processor device, etc.) may operate ina networked environment 100 supporting connections to one or more remotecomputers, such as terminals 141 and 151. The terminals 141 and 151 maybe personal computers, servers (e.g., web servers, database servers), ormobile communication devices (e.g., mobile phones, portable computingdevices, vehicles, and the like), and may include some or all of theelements described above with respect to the computing device 101. Insome cases, the terminals 141, 151 may be located at one or moredifferent geographic locations, including, but not limited to, at acustomer location, a site associated with an insurance agent and/oragency and/or a site associated with an insurance provider. The networkconnections depicted in FIG. 1A include a local area network (LAN) 125and a wide area network (WAN) 129, and a wireless telecommunicationsnetwork 133, but may also include other networks. When used in a LANnetworking environment, the computing device 101 may be connected to theLAN 125 through a network interface or adapter 123. When used in a WANnetworking environment, the device 101 may include a modem 127 or othermeans for establishing communications over the WAN 129, such as network131 (e.g., the Internet, a cellular network, and the like). When used ina wireless telecommunications network 133, the device 101 may includeone or more transceivers, digital signal processors, and additionalcircuitry and software for communicating with wireless computing devices141 (e.g., mobile phones, portable customer computing devices) via oneor more network devices 135 (e.g., base transceiver stations) in thewireless network 133.

Also illustrated in FIG. 1A is a security and integration layer 160,through which communications may be sent and managed between thecomputing device 101 and the remote devices (141 and 151) and remotenetworks (125, 129, and 133). The security and integration layer 160 maycomprise one or more computing devices, such as web servers,authentication servers, and various networking components (e.g.,firewalls, routers, gateways, load balancers, etc.), having some or allof the elements described above with respect to the computing device101. As an example, security and integration layer 160 may comprise aset of web application servers configured to use secure protocols and toinsulate the computing device 101 (e.g., one or more servers, aworkstation, etc.) from external devices 141 and 151. In some cases, thesecurity and integration layer 160 may correspond to a set of dedicatedhardware and/or software operating at the same physical location andunder the control of same entities as the computing device 101. Forexample, the layer 160 may correspond to one or more dedicated webservers and network hardware in a data center or in a cloudinfrastructure supporting a cloud-based application and/or process. Inother examples, the security and integration layer 160 may correspond toseparate hardware and software components which may be operated at aseparate physical location and/or by a separate entity.

In some cases, the data transferred to and from computing device 101 inmay include secure and sensitive data, such as historical vehiclelocation information, real-time vehicle location and/or statusinformation, insurance customer and policy data, etc. Therefore, it maybe desirable to protect the data transmission by using secure networkprotocols and encryption, and also to protect the integrity of the datastored when on the computing device 101 using the security andintegration layer 160 to authenticate users and restrict access tounknown or unauthorized users. In various implementations, security andintegration layer 160 may provide, for example, a file-based integrationscheme or a service-based integration scheme. In file-based integration,data files may be transmitted to and from the computing device 101through the security and integration layer 160, using various networkcommunication protocols. Secure data transmission protocols and/orencryption may be used in file transfers to protect to integrity of thedata, for example, File Transfer Protocol (FTP), Secure File TransferProtocol (SFTP), and/or Pretty Good Privacy (PGP) encryption.

In service-based integration, one or more web services may beimplemented within the system 100 between the computing device 101and/or security and integration layer 160. The web services may beaccessed by authorized external devices and users to support input,extraction, and manipulation of the data in the computing device 101.Web services built to support the system 100 may be cross-domain and/orcross-platform, and may be built for enterprise use. Such web servicesmay be developed in accordance with various web service standards, suchas the Web Service Interoperability (WS-I) guidelines. In some examples,system web service may be implemented in the security and integrationlayer 160 using the Secure Sockets Layer (SSL) or Transport LayerSecurity (TLS) protocol to provide secure connections between thecomputing device 101 and various clients 141 and 151 attempting toaccess, insert and/or manipulate data within the system 100. SSL or TLSmay use HTTP or HTTPS to provide authentication and/or confidentiality.In some cases, system web service may be implemented using theWS-Security standard, which provides for secure SOAP messages using XMLencryption. In still other examples, the security and integration layer160 may include specialized hardware for providing secure web services.For example, secure network appliances in the security and integrationlayer 160 may include built-in features such as hardware-accelerated SSLand HTTPS, WS-Security, and firewalls. Such specialized hardware may beinstalled and configured in the security and integration layer 160 infront of the web servers, so that any external devices may communicatedirectly with the specialized hardware.

Although not shown in FIG. 1A, various elements within the memory 115 orother components in the system 100, may include one or more caches, forexample, CPU caches used by the processing unit 103, page caches used bythe operating system 117, disk caches of a hard drive, and/or databasecaches used to cache content from database 121. For embodimentsincluding a CPU cache, the CPU cache may be used by one or moreprocessors in the processing unit 103 to reduce memory latency andaccess time. In such examples, a processor 103 may retrieve data from orwrite data to the CPU cache rather than reading/writing to memory 115,which may improve the speed of these operations. In some examples, adatabase cache may be created in which certain data from a database 121may be cached in one or more separate smaller databases on anapplication server separate from the database server. For instance, in amulti-tiered application, a database cache on an application server canreduce data retrieval and data manipulation time by not needing tocommunicate over a network with a back-end database server. These typesof caches and others may be included in various embodiments, and mayprovide potential advantages in certain implementations of the system100.

It will be appreciated that the network connections shown areillustrative and other means of establishing a communications linkbetween the computers may be used. The existence of any of variousnetwork protocols such as TCP/IP, Ethernet, FTP, HTTP and the like, andof various wireless communication technologies such as GSM, CDMA, Wi-Fi,Bluetooth, WiMAX, etc., is presumed, and the various computer devicesand insurance clearinghouse system components described herein may beconfigured to communicate using any of these network protocols ortechnologies.

Additionally, one or more application programs 119, such as a roadfrustration index determination application, may be used by one or morecomputing devices (e.g., the computing device 101) within the system100, including computer executable instructions for identifying a roadfrustration index being experienced by a driver (or owner, passenger,parent of the driver, etc.) of a vehicle in near-real time, predictingone or more road segments upon which the driver may experience somelevel of road frustration, generating a road frustration index valueassociated with the driver corresponding to a driving speed on a roadsegment having an associated road classification type, and generatingone or more travel routes each predicted to have an associated roadfrustration index value based on information received from a pluralityof drivers.

Referring to FIG. 1B, an example of a suitable operating environment inwhich various aspects of this disclosure may be implemented is shown inthe architectural diagram of FIG. 1B. The operating environment is onlyone example of a suitable operating environment and is not intended tosuggest any limitation as to the scope of use or functionality of thisdisclosure. The operating environment may be comprised of one or moredata sources 104 b, 106 b in communication with a computing device 102b. The computing device 102 b may use information communicated from thedata sources 104 b, 106 b to generate values that may be stored in aconventional database format. In one embodiment, the computing device102 b may be a high-end server computer with one or more processors 114b and memory 116 b for storing and maintaining the values generated. Thememory 116 b storing and maintaining the values generated need not bephysically located in the computing device 102 b. Rather, the memory(e.g., ROM, flash memory, hard drive memory, RAID memory, etc.) may belocated in a remote data store (e.g., memory storage area) physicallylocated outside the computing device 102 b, but in communication withthe computing device 102 b.

A personal computing device 108 b (e.g., a personal computer, tablet PC,handheld computing device, personal digital assistant, mobile device,etc.) may communicate with the computing device 102 b. Similarly, apersonal navigation device 110 b (e.g., a global positioning system(GPS), geographic information system (GIS), satellite navigation system,mobile device, other location tracking device, etc.) may communicatewith the computing device 102 b. The communication between the computingdevice 102 b and the other devices 108 b, 110 b may be through wired orwireless communication networks and/or direct links. One or morenetworks may be in the form of a local area network (LAN) that has oneor more of the well-known LAN topologies and may use a variety ofdifferent protocols, such as Ethernet. One or more of the networks maybe in the form of a wide area network (WAN), such as the Internet. Thecomputing device 102 b and other devices (e.g., devices 108 b, 110 b)may be connected to one or more of the networks via twisted pair wires,coaxial cable, fiber optics, radio waves or other media. The term“network” as used herein and depicted in the drawings should be broadlyinterpreted to include not only systems in which devices and/or datasources are coupled together via one or more communication paths, butalso stand-alone devices that may be coupled, from time to time, to suchsystems that have storage capability.

In an illustrative example in accordance with aspects of thisdisclosure, a personal navigation device 110 b may operate in astand-alone manner by locally storing some of the database of valuesstored in the memory 116 b of the computing device 102 b. For example, apersonal navigation device 110 b (e.g., a GPS in an automobile) may becomprised of a processor, memory, and/or input devices 118 b and/oroutput devices 120 b (e.g., keypad, display screen, speaker, etc.). Thememory may be comprised of a non-volatile memory that stores a databaseof values used in calculating an estimated route risk for identifiedroutes. Therefore, the personal navigation device 110 b need notcommunicate with a computing device 102 b located at, for example, aremote location in order to calculate identified routes. Rather, thepersonal navigation device 110 b may behave in a stand-alone manner anduse its processor to calculate route risk values (e.g., a roadfrustration index value and/or a travel time delay value, etc.)associated with one or more identified routes. If desired, the personalnavigation device 110 b may be updated with an updated database ofvalues after a period of time (e.g., an annual patch with new riskvalues determined over the prior year).

In yet another embodiment in accordance with aspects of this disclosure,a personal computing device 108 b may operate in a stand-alone manner bylocally storing some of the database of values stored in the memory 116b of the computing device 102 b. For example, a personal computingdevice 108 b may be comprised of a processor, memory, input device(e.g., keypad, CD-ROM drive, DVD drive, etc.), and output device (e.g.,display screen, printer, speaker, etc.). The memory may be comprised ofCD-ROM media that stores values used in calculating an estimated routerisk for an identified route. Therefore, the personal computing device108 b may use the input device to read the contents of the CD-ROM mediain order to calculate a value for the identified route. Rather, thepersonal computing device 10 b 8 may behave in a stand-alone manner anduse its processor to calculate a route risk value. If desired, thepersonal computing device 108 b may be provided with an updated databaseof values (e.g., in the form of updated CD-ROM media) after a period oftime. One skilled in the art will appreciate that personal computingdevice 108 b, 110 b, 112 b need not be personal to a single user;rather, they may be shared among members of a family, company, etc.

The data sources 104 b, 106 b may provide information to the computingdevice 102 b. In one embodiment in accordance with aspects of thisdisclosure, a data source may be a computer which contains memorystoring data and is configured to provide information to the computingdevice 102 b. Some examples of providers of data sources in accordancewith aspects of this disclosure include, but are not limited to,insurance companies, third-party insurance data providers, governmententities, state highway patrol departments, local law enforcementagencies, state departments of transportation, federal transportationagencies, traffic information services, road hazard information sources,construction information sources, weather information services,geographic information services, vehicle manufacturers, vehicle safetyorganizations, and environmental information services. For privacyprotection reasons, in some embodiments of this disclosure, access tothe information in the data sources 104 b, 106 b may be restricted toonly authorized computing devices 102 b and for only permissiblepurposes. For example, access to the data sources 104 b, 106 b may berestricted to only those persons/entities that have signed an agreement(e.g., an electronic agreement) acknowledging their responsibilitieswith regard to the use and security to be accorded this information.

The computing device 102 b uses the information from the data sources104 b, 106 b to generate values that may be used to calculate anestimated route risk. Some examples of the information that the datasources 104 b, 106 b may provide to the computing device 102 b include,but are not limited to, accident information, geographic information,and other types of information useful in generating a database of valuesfor calculating an estimated route risk. For example, a driver may haveknowledge that accidents may be more common along a particular stretchof a roadway or type of road segment and may experience an increasedlevel of unease as they travel, or approach, a particular road segment.

Some examples of accident information include, but are not limited to,loss type, applicable insurance coverage(s) (e.g., bodily injury,property damage, medical/personal injury protection, collision,comprehensive, rental reimbursement, towing), loss cost, number ofdistinct accidents for the segment, time relevancy validation, cause ofloss (e.g., turned left into oncoming traffic, ran through red light,rear-ended while attempting to stop, rear-ended while changing lanes,sideswiped during normal driving, sideswiped while changing lanes,accident caused by tire failure (e.g., blow-out), accident caused byother malfunction of car, rolled over, caught on fire or exploded,immersed into a body of water or liquid, unknown, etc.), impact type(e.g., collision with another automobile, collision with cyclist,collision with pedestrian, collision with animal, collision with parkedcar, etc.), drugs or alcohol involved, pedestrian involved, wildlifeinvolved, type of wildlife involved, speed of vehicle at time ofincident, direction the vehicle is traveling immediately before theincident occurred, date of incident, time of day, night/day indicator(i.e., whether it was night or day at the time of the incident),temperature at time of incident, weather conditions at time of incident(e.g., sunny, downpour rain, light rain, snow, fog, ice, sleet, hail,wind, hurricane, etc.), road conditions at time of incident (e.g., wetpavement, dry pavement, etc.), and location (e.g., geographiccoordinates, closest address, zip code, etc.) of vehicle at time ofincident.

Accident information associated with vehicle accidents may be stored ina database format and may be compiled per segment. One skilled in theart will understand that the term segment may be interchangeably used todescribe a road segment, intersection, round about, bridge, tunnel,ramp, parking lot, railroad crossing, or other feature that a vehiclemay encounter along a route.

Time relevancy validation relates to the relevancy of historicalaccident information associated with a particular location. Timerelevancy validation information may be dynamically created by comparingthe time frames of accident information to the current date. Forexample, if a location or route had many collisions prior to five yearsago but few since, perhaps a road improvement reduced the risk (such asadding a traffic light). Time relevancy information may be generatedremotely and transmitted by a data source 104, 106 to the computingdevice 102 like other information. Alternatively, time relevancyinformation may be calculated at the computing device 102 using otherinformation transmitted by a data source 104, 106. In some cases, timerelevancy information may be calculated at the computing device withoutreference to data communicated from the data source 104, 106. Forexample, the appropriateness of historical information may be related tothe time frame into which the information belongs. Examples of timeframes may include, but are not limited to, less than 1 year ago, 1 yearago, 2 years ago, 3 years ago, 4 years ago, 5 to 10 years ago, andgreater than 10 years ago. In one embodiment, the more recent thehistorical information, the greater weight is attributed to theinformation.

Some examples of geographic information include, but are not limited to,location information and attribute information. Examples of attributeinformation include, but are not limited to, information aboutcharacteristics of a corresponding location described by some locationinformation: posted speed limit, construction area indicator (i.e.,whether location has construction), topography type (e.g., flat, rollinghills, steep hills, etc.), road type (e.g., residential, interstate,4-lane separated highway, city street, country road, parking lot, etc.),road feature (e.g., intersection, gentle curve, blind curve, bridge,tunnel), number of intersections, whether a roundabout is present,number of railroad crossings, whether a passing zone is present, whethera merge is present, number of lanes, width of road/lanes, populationdensity, condition of road (e.g., new, worn, severely damaged withsink-holes, severely damaged with erosion, gravel, dirt, paved, etc.),wildlife area, state, county, and/or municipality. Geographicinformation may also include other attribute information about roadsegments, intersections, bridges, tunnels, railroad crossings, and otherroadway features.

Location information for an intersection may include the latitude andlongitude (e.g., geographic coordinates) of the geometric center of theintersection. The location may be described in other embodiments using aclosest address to the actual desired location or intersection. Theintersection (i.e., location information) may also include informationthat describes the geographic boundaries, for example, of theintersection which includes all information that is associated within acircular area defined by the coordinates of the center of theintersection and points within a specified radius of the center. Inanother example of location information, a road segment may be definedby the latitude and longitude of its endpoints and/or an area defined bythe road shape and a predetermined offset that forms a polygon. Segmentsmay comprise intersections, bridges, tunnels, rail road crossings orother roadway types and features. Those skilled in the art willrecognize that segments can be defined in many ways without departingfrom the spirit of this disclosed invention.

Some examples of vehicle information include, but are not limited to,information that describes vehicles that are associated with incidents(e.g., vehicle accidents, etc.) at a particular location (e.g., alocation corresponding to location information describing a segment,intersection, etc.) Vehicle information may include vehicle make,vehicle model, vehicle year, and age. Vehicle information may alsoinclude information collected through one or more in-vehicle devices orsystems such as an event data recorder (EDR), onboard diagnostic system,or global positioning satellite (GPS) device; examples of thisinformation include speed at impact, brakes applied, throttle position,direction at impact. As is clear from the preceding examples, vehicleinformation may also include information about the driver of a vehiclebeing driven at the time of an incident. Other examples of driverinformation may include age, gender, marital status, occupation, alcohollevel in blood, credit score, distance from home, cell phone usage(i.e., whether the driver was using a cell phone at the time of theincident), number of occupants.

In one embodiment in accordance with aspects of this disclosure, a datasource 104 b may provide the computing device 102 b with accidentinformation that is used to generate values (e.g., create new valuesand/or update existing values). The computing device 102 b may use atleast part of the received accident information to calculate a value,associate the value with a road segment (or other location information),and store the value in a database format. One skilled in the art willappreciate, after thorough review of the entirety disclosed herein, thatthere may be other types of information that may be useful in generatinga database of values for use in, among other things, calculating anestimated route risk.

For example, in accordance with aspects of this disclosure, a datasource 104 b may provide the computing device 102 b with geographicinformation that is used to generate new roadway feature risk values ina database of risk values and/or update existing risk values; where theroadway feature may comprise intersections, road segments, tunnels,bridges, or railroad crossings. Attributes associated with roadways mayalso be used in part to generate risk values. The computing device 102 bmay use at least part of the received geographic information tocalculate a value, associate the value with a road segment (or otherlocation information), and store the value in a database format.Numerous examples of geographic information were provided above. Forexample, a computing device 102 b may receive geographic informationcorresponding to a road segment comprising accident information androadway feature information and then calculate a risk value. Therefore,when calculating a risk value, the system may use, in one example, thegeographic information and the accident information (if any accidentinformation is provided). In alternative embodiments in accordance withaspects of this disclosure, the computing device may use accidentinformation, geographic information, vehicle information, and/or otherinformation, either alone or in combination, in calculating risk valuesin a database format.

The values generated by the computing device 102 b may be associatedwith a road segment containing the accident location and stored in adata store. Similar to a point of interest (POI) stored in GPS systems,a point of risk (POR) is a road segment or point on a map that has riskinformation (e.g., subjective risk, objective risk, risk of roadfrustration being experienced by a driver, etc.) associated with it.Points of risk may arise because incidents (e.g., accidents) haveoccurred at these points before. In accordance with aspects of thisdisclosure, the road segment may be a predetermined length (e.g., ¼mile) on a stretch of road. Alternatively, road segments may be points(i.e., where the predetermined length is minimal) on a road.Furthermore, in some embodiments, road segment may include one or moredifferent roads that are no farther than a predetermined radius from aroad segment identifier. Such an embodiment may be beneficial in alocation, for example, where an unusually large number of streetsintersect, and it may be impractical to designate a single road for aroad segment.

FIG. 2 shows an illustrative block diagram of a system 200 forgenerating and using road frustration index information, such as bygenerating one or more road frustration index maps that may be used byone or more users in accordance with aspects of this disclosure. Thesystem may include a vehicle 210, one or more user devices 220associated with a user (e.g., a driver, etc.) of the vehicle, and aremote computing system 240 that may be associated with a businessentity (e.g., an insurance provider, a vehicle manufacturer, a globalpositioning company, etc.) or governmental agency having an interest inassessing and/or minimizing a level of frustration being experienced bya driver when travelling on one or more segments of road upon which theuser travels within the vehicle. The one or more user devices 220 mayinclude a variety of personal computing devices including, but notlimited to, a phone (e.g., a smart phone 220 a), a personal computer 220b, a laptop computer 220 c, a tablet computer 220 d, a personalnavigation device 110 b, a vehicle's computer system, and/or the like.In some cases, the user devices 220 may comprise the illustrative userdevice 230 that may include a user interface 231 that may be capable ofdisplaying one or more user interface screens 233 on a display device235. The user interface screens 233 may include screens for displayinginformation to the user and/or receiving information from the user. Theuser device 230 may further include a processor 237, one or more memorydevices 239 and a communication interface 238. In some cases, one ormore of the user interface 231, the user interface screens 233, thedisplay device 235, the processor 237, the one or more memory devices239, and/or the communication interface 238 may be implemented similarlyto the corresponding features discussed in reference to FIGS. 1A and 1B.

In some cases, one or more devices associated with the user and/orvehicle 210 may communicate via one or more wired or wireless networks205 to the remote computing system 240. For example, the remotecomputing system 240 may include one or more of a road frustration indexanalysis system 250, a risk analysis system 260 that may include one orboth of an objective risk analysis system and a subjective risk analysissystem, and/or an insurance quotation system 290. Illustrative examplesof the objective risk analysis system 262 and/or the subjective riskanalysis system 262 are discussed in U.S. patent application Ser. No.15/268,750, filed Sep. 19, 2019, and entitled “Polynomial Route RiskMitigation,” and U.S. patent application Ser. No. 15/013,523, filed Feb.2, 2016, and entitled “Subjective Route Risk Mapping and Mitigation,”both of the aforementioned are incorporated by reference in theirentirety herein.

In an illustrative example, the frustration index analysis system 250may be configured to identify a level of frustration being experiencedby a user and/or predicted to be experience when traveling over one ormore route segments for one or more users, such as insurance customersof an insurance company. The frustration index analysis system 250 mayutilize demographic information, telematics information, and the likeassociated with the user, along with frustration information solicitedor otherwise received from the user when calculating or predicting thefrustration index value. In some cases, the frustration index analysissystem 250 may include a frustration index analysis engine 252configured to generate frustration index information and/or frustrationrisk maps associated with customers of the business organization. Thefrustration index analysis engine 252 may utilize information receivedfrom one or more remote devices associated with the user (e.g., thevehicle 210, the user interface device 212, the input device 214, andthe user devices 220, 230) via the one or more networks. In some cases,the frustration index analysis system 250 may be used to generate and/orstore one or more frustration risk maps associated with a group of users(e.g., an age group, a driving experience group, etc.), which may thenbe used in improving a frustration risk model.

In some cases, the objective risk analysis system 260 may be usedidentify and/or mitigate one or more objective risks associated with aroute that may be traveled by the vehicle 210. For example, theobjective risk analysis system 260 may be configured to usegeographically encoded information to reward and/or promote riskmitigation of identified objective risks (e.g., an accident, a dangerousroad segment, etc.) as discussed in co-pending U.S. patent applicationSer. No. 14/100,913, filed Dec. 9, 2013, and entitled “Route RiskMitigation,” which is a continuation of U.S. patent application Ser. No.12/118,021, filed May 9, 2008, issued Dec. 10, 2013 as U.S. Pat. No.8,606,512, which claims priority to U.S. Provisional Patent ApplicationNo. 60/917,169 filed May 10, 2007. All of the aforementioned areincorporated by reference in their entirety herein.

One or more of the road frustration index analysis system 250, theobjective risk analysis system 262 and/or the subjective risk analysissystem 264 may access, via the wired or wireless networks 205,information provided by one or more computer systems 281 associated witha plurality of third-party information sources 280. Illustrativeexamples of third-party data sources may include the one or more datasources 104 b, 106 b discussed above. Further, one or more deviceswithin the insurance quotation system 290, the third party informationsources 280, the mapping information, the objective risk analysis system260, and/or the subjective risk analysis system 260 may be implementedusing computing devices (e.g., the computing device 101, 102 a, etc.)discussed in reference to FIGS. 1A and 1B.

The remote computing system 240 may further include one or moredatabases for storing mapping information 270. In some cases, themapping information may include geocoded mapping information storedwithin a map database 272. The geocoded mapping information may include,but not be limited to the location and mapping information discussedabove, such as information about characteristics of a correspondinglocation (e.g., posted speed limit, construction area indicator,topography type, road type, road feature, number of intersections,whether a roundabout is present, number of railroad crossings, whether apassing zone is present, whether a merge is present, number of lanes,width of road/lanes, population density, condition of road, wildlifearea, state, county, and/or municipality). The mapping information 270may also include other attribute information about road segments,intersections, bridges, tunnels, railroad crossings, and other roadwayfeatures. The mapping information 270 may further include the addressand/or latitude and longitude of noted geographic features and/or thecharacteristics of the corresponding location.

In an illustrative example, the vehicle 210 may include a user interface212 and an input device 214 accessible to an occupant of the vehicle.The user interface 212 may include a display and/or speakers forpresenting audio and/or video information to the user. For example, thedisplay may be used to present geographic information (e.g., a map, aroute, etc.) and/or vehicle information (e.g., temperature information,vehicle speed, tire pressure, radio information, cabin environmentalinformation, etc.) to the user via one or more user interface screens.In some cases, the user interface 212 may present the geographicinformation and/or the vehicle information as an audio message presentedusing speakers installed within the vehicle. In some cases, the userinterface 212 may include a personal computing device 108 b, such as thepersonal navigation device 110 b, a smart phone 220 a, a laptop computer220 c, and/or the tablet computer 220 d. The personal navigation device110 b may be located, for example, in the vehicle 210 or in a mobiledevice (e.g., the smart phone 220 a, the tablet computer 220 d, etc.)with location tracking capabilities. In some cases, the input device 214may include one or more means for the driver and/or passenger in thevehicle to provide information about how they feel regarding a pluralityof road segments or type of road segment (e.g., frustrationinformation). The input device may be configured to provide thefrustration information in real-time or near real-time to the remotecomputing system 240 for processing.

In some cases, the driver and/or passenger in the vehicle 210 mayprovide frustration information (e.g., using the user interface 212, theinput device 214 and/or the user devices 220) regarding how they feeltowards a particular road segment or type of road segment (e.g., a lowlevel of frustration, a medium level of frustration, a high level offrustration, etc.) to be processed by the road frustration analysisengine 252 using one or more algorithms to determine a level offrustration associated with the user in near real time and/or a level offrustration predicted to be experienced by the user on one or moreparticular road segments. For example, a user may experience some levelof frustration based on traffic loading being experienced, or knowledgeof potential traffic loading along the route, or in a known location. Insome cases, the way a person drives and/or acts in a particular drivingsituation may be influenced by the level of frustration beingexperienced, along with any objective or subjective risk, present duringa time the vehicle is on a particular road segment. In some cases, theroad frustration analysis engine 252 may use the frustrationinformation, with or without other information (e.g., subjective riskinformation, objective risk information, weather information, trafficloading information, time of day information, etc.), to generatefrustration index value for the user when traveling an identified roadsegment. In some cases, a map identifying a level of frustration thatmay be appreciated, or predicted to be appreciated, by the driver over atravel route. In some cases, the road frustration analysis engine 252may use the road frustration information, along with the vehicle speedand/or a road segment classification, to generate a route for use by theuser in navigating to a desired location. The identified route mayidentify a predicted road frustration index value, one or moreidentified subjective risks and/or objective risks that may beappreciated by the driver and/or may be configured to avoid one or moreof the road segments associated with a road frustration index value thatmeets a predetermined criterion, identified subjective risks and/oridentified objective risks.

In some cases, the route frustration index calculations may be common toall users, common to a group of users, customized to a particular user,or the like. In an illustrative example, the occupant of the vehicle(e.g., the driver, a passenger, etc.) may provide personal preferenceinformation corresponding to an exposure to frustration inducingsituations (e.g., route congestion, construction delays, slow drivers,etc.), hazards, or other driving situations, that may be experiencedwhile driving the vehicle along a route. For example, the driver may bepresented a questionnaire, either on paper, or electronically via one ormore of the personal computing devices 220. The questionnaire may beused to identify a level of risk tolerance towards frustration inducingrisks that may be experienced while driving. For example, thequestionnaire may prompt the user to identify a preferred driving route,such as whether the driver prefers to take the fastest route, one thatavoids major roadways, one that avoids traffic backups, one that avoidsunprotected left turns, and/or the like. For example, the questionnairemay prompt the user to give a relative weight (e.g., a ranking, etc.) toone or more identified sources of subjective risks to identify apreferred “trade-off” between a delay time (e.g., minutes spent doingadditional driving) versus the driver's perceived comfort or perceivedsafety along the route (e.g., avoiding unprotected left turns, avoidingbridges, avoiding high-traffic roadways, etc.). The answers provided bythe driver may be used in generating the route frustration index valuesfor the particular driver according to one or more customizablemathematical algorithms, such as an algorithm based on weightingsassociated with each of the answer choices.

In some cases, the people may answer questions regarding differentdriving situations differently than when the driver experiences similarsituations while driving a vehicle. In such cases, the informationgathered via the questionnaire may be supplemented, or replaced, byfrustration information gathered while driving the vehicle.

In some cases, the road frustration index analysis engine 252 mayanalyze the frustration risk information entered or otherwise obtainedabout a particular driver. Using this frustration risk information, afrustration risk profile may be built for each driver where thefrustration risk profile includes personalized frustration riskinformation that may be used to generate a road frustration index valuefor one or more road segments or types of road segments. The frustrationrisk profile may include information to generate weighting factors orother such information to customize a mathematical algorithm for use ingenerating a personalized road frustration index value associated witheach of a plurality of road segments for a particular driver. Forexample, a total route road frustration index value may be customizedfor the particular road segments comprising the route and/or theindividual traveling the route. For example, a road frustration indexvalue may be calculated for a route as a sum of the road frustrationindex value values for the route segments that comprise the total route.Further, each route segment may be calculated as a weighted combinationof road frustration risks that may be encountered as part of theparticular route segment and may be customized using weighting factors(e.g., coefficient) customized for each driver.

In some cases, the road frustration index analysis engine 252 may usethe frustration risk profile with or without information from other riskanalysis systems 260 to generate a road frustration index value for oneor more road segments on which the driver has driven. In some cases, theroad frustration index analysis engine 252 may analyze the frustrationrisk profile with or without risk information obtained from other riskanalysis systems 260 to predict a road frustration index value for oneor more road segments on which the driver has not driven. For example,if a driver's frustration risk profile indicates that the driver mayhave problems (e.g., feel a particular level of frustration) for aparticular road segment type and traffic congestion type, the roadfrustration index analysis engine 252 may process information about anew road segment, such as objective risk information, etc., so that theroad frustration index analysis engine 252 may predict a roadfrustration index value that is personalized for each driver, whether ornot the driver has traveled on that route segment. Additionally, orinstead of, the road frustration index analysis engine 252 may use thefrustration risk profile to predict road frustration index values for atype of road segment as compared to road segments that are similar,better, or worse than road segments already driven by the driver. Forexample, a driver may feel more frustration driving in constructionzones during rush hour and may have this frustration indicator reflectedin their personalized frustration risk profile. The road frustrationindex analysis engine 252 may then process the frustration risk profileto predict a road frustration index value for a route segment for aroute to be traveled by the driver. As such, the road frustration indexanalysis engine 252 may process a mathematical algorithm that has beencustomized using the information of the frustration risk profile topredict a personalized road frustration index value for a route that thedriver has not traveled. Such route segments may be used in generating aroute meeting a defined road frustration index value the driver may beexposed over the whole route.

FIG. 3 shows an illustrative network environment 300 for implementingmethods according to the present disclosure. The network environment 300may include a network 301 configured to connect computing devices withinor associated with a vehicle 302 (e.g., mobile computing device 141 aand/or vehicle computing device 341), one or more satellites 303, one ormore cellular network elements 304 (e.g., cell towers), one or morecomputing devices (e.g., 141 b, 151, 161), and one or more applicationservers 305. Collectively, one or more of these computing devices mayform a vehicle telematics management system. In some aspects, the mobilecomputing device 141 a or the vehicle computing device 341 may be usedinterchangeably or may complete similar or identical functions or tasks.In describing different features of the present invention either themobile computing device 141 a or the vehicle computing device 341 may bereferred to, however, it should be noted that any time that only one ofthese devices is described, the described device could be interchangedwith the other device.

The network 301 may be any type of network, such as the Internet 131, atelecommunications network, etc. described above, and may use one ormore communication protocols (e.g., protocols for the Internet (IP),Bluetooth, cellular communications, satellite communications, etc.) toconnect computing devices and servers within the network environment 300to send and receive communications (e.g., notifications shown as dashedarrows) between the different devices. In some cases, the network 301may include a cellular network and its components, such as basestations. Accordingly, for example, a mobile computing device 141 a(e.g., a smartphone) of a driver or passenger in a vehicle 302 maycommunicate, via a cellular backhaul of the network 301, with anapplication server 305 which in turn may communicate, via the cellularbackhaul of the network 301, with computing devices or applicationservers (e.g., 141 b, 151, 161, and 305) to provide notifications. WhileFIG. 3 depicts arrows pointing to the vehicle 302, it should beunderstood that the connections may be made with the mobile computingdevice 141 a and/or the vehicle computing device 341 within the vehicle302. For example, the mobile computing device 141 a and/or the vehiclecomputing device 341 may communicate with a satellite 303 to obtain GPScoordinates or to transfer notifications to the network 301 through thesatellite 303. Further, it should be understood that the mobilecomputing device 141 a (e.g., a smartphone) may connect to the network301 even if it is removed from the vehicle 302.

While the illustrative example of FIG. 3 shows only one vehicle 302, thevehicle telematics management system may be configured to communicatewith multiple vehicles 302 simultaneously. Also, although FIG. 3 showsthe vehicle 302 as a car, the vehicle 302 may be any type of vehicle,including a motorcycle, bicycle, scooter, drone (or other automateddevice), truck, bus, boat, plane, helicopter, etc. FIG. 3 also shows anillustrative subsystem within the network environment 300. Specifically,FIG. 3 shows an illustrative arrangement of computing devices that mayexist within the vehicle 302 (and other vehicles not shown). To showthese computing devices, FIG. 3 includes a view of the inside of thevehicle 302. As can be seen, the vehicle 302 may include a mobilecomputing device 141 a and/or a vehicle computing device 341. In someembodiments, the mobile computing device 141 a and the vehicle computingdevice 341 may communicate with one another (e.g., via BLUETOOTH). Themobile computing device 141 a may be any mobile computing device (e.g.,a smartphone, tablet, etc.) that is associated with a user (e.g., thedriver, the passenger, etc.) of the vehicle 302. The mobile computingdevice 141 a, the vehicle computing device 341, and/or other devices andservers (e.g., 141 b, 151, 161, and 305) may be configured in a similarmanner to the computing device 101 of FIG. 1A.

Further, the mobile computing device 141 a and/or the vehicle computingdevice 241 may be configured to execute a mobile device program thatprovides computer-executable instructions for collecting andcommunicating vehicle telematics data. Also, the mobile computing device141 a and/or the vehicle computing device 341 may include a userinterface for a user to provide inputs to and receive outputs from thevehicle telematics management system. Such a mobile device program maybe downloaded or otherwise installed onto the mobile computing device141 a and/or the vehicle computing device 341 using one or moredifferent methods. Once installed onto the mobile computing device 141 aand/or the vehicle computing device 341, a user may launch the mobiledevice program by, for example, operating buttons or a touchscreen onthe mobile computing device 141 a and/or the vehicle computing device341. Additionally, or alternatively, the mobile computing device 141 aand/or the vehicle computing device 341 may be configured to execute aweb browser (e.g., an application for accessing and navigating theInternet) to access a webpage providing an interface for the vehicletelematics management system.

In some embodiments, the mobile computing device 141 a or the vehiclecomputing device 341 may also be configured to collect drive data using,e.g., an accelerometer, GPS, gyroscope, etc. of the mobile computingdevice 141 a and/or the vehicle computing device 341. Drive data mayinclude vehicle telematics data or any other data related to eventsoccurring during a vehicle's trip (e.g., an impact to a part of thevehicle, a deployed airbag, a hard turning event, a hard braking event,an extended traffic slowdown, etc.). For example, drive data may includelocation information, such as GPS coordinates, indicating thegeographical location of the mobile computing device 141 a or thevehicle computing device 341 as well as speed and acceleration data thatmay be used to detect speeding, cornering, hard-braking, slow trafficand/or other such events. The mobile computing device 141 a or thevehicle computing device 341 may be further configured to evaluate thedrive data and to send notifications to the vehicle telematicsmanagement system (e.g., application servers 305, computing devices 141b, 151, 161, etc.). Further, the mobile computing devices 141 a or thevehicle computing device 341 may send notifications to specificcomputing devices or servers belonging to insurance providers interestedin monitoring (or tracking) users of the mobile computing device 141 aor the vehicle computing device 341. As such, for example, an insuranceprovider via servers or computing devices (e.g., 151, 305, etc.) maymonitor the driving behavior of a driver of a vehicle 302 based onnotifications sent from the driver's mobile computing device 141 a orthe vehicle computing device 341. Also, the vehicle telematicsmanagement system may allow insurance providers to monitor drivingbehavior of others too. The mobile computing device 141 a or the vehiclecomputing device 341 might not necessarily be associated with (e.g.,belong to) the driver, and instead, may be associated with a passenger.

Although FIG. 2 shows a single mobile computing device 141 a within thevehicle 302, in some cases the vehicle 202 may contain more or fewermobile computing devices 141 a. For example, the vehicle 302 may carryone or more passengers in addition to the driver, and each person mayhave one or more mobile computing devices 141 a. In some cases, one ormore people in the vehicle 302 may not have a mobile computing device141 a or may have left their mobile computing device 141 a elsewhere. Insuch cases, where the vehicle 302 does not contain a mobile computingdevice 141 a, vehicle operation may be monitored (e.g., by an insuranceprovider, etc.) by monitoring notifications received from the vehiclecomputing device 341 within the vehicle 302.

In some cases, the mobile computing device 141 a and/or the vehiclecomputing device 341 may communicate notifications (see dashed arrows)to one or more external devices (e.g., the insurance provider computingdevices). The notifications may be transmitted directly from the mobilecomputing device 141 a or the vehicle computing device 341 to aninsurance provider's computing device (e.g., 141 b, 151, 161, etc.)and/or indirectly through, e.g., an application server 305 (e.g., anotification may be transmitted to an application server 305, which inturn may transmit a notification to the appropriate computing device151).

In some cases, computing devices operated by the insurance provider maybe configured to execute an insurance device program (e.g.,computer-executable instructions) to establish restrictions and/or otherconditions for triggering alerts based on vehicle telematics data. Theinsurance device program may also process computer-executableinstructions to receive notifications from one or more mobile computingdevices (e.g., the mobile computing device 141 a, the vehicle computingdevice 341, etc.) and communicate parameter changes and/or othermessages to the one or more mobile computing devices. The insurancedevice program may also provide a user interface for an insuranceprovider to provide inputs to and receive outputs from the vehicletelematics management system. The insurance device program may bedownloaded or otherwise installed onto a computing device operated by aninsurance provider one or more methods. Once installed onto thecomputing device, a user may launch the insurance device program by, forexample, operating buttons or a touchscreen on the computing device.Additionally, or alternatively, the computing device operated by theinsurance company may be configured to execute a web browser (e.g., anapplication for accessing and navigating the Internet) to access a webpage providing an interface for the vehicle telematics managementsystem.

As discussed above, the vehicle 302 may include the vehicle computingdevice 341. The vehicle computing device 341 may be configured in asimilar manner to the computing device 101 of FIG. 1A. Further, thevehicle computing device 341 may be configured to execute the mobiledevice program in addition to, or instead of, the mobile computingdevice 141 a. In some cases, the vehicle computing device 341 and themobile computing device 141 a may operate in conjunction so that thevehicle computing device 341 performs some modules of the mobile deviceprogram while the mobile computing device 141 a performs other modulesof the mobile device program. For example, the vehicle computing devicemay collect drive data (e.g., vehicle telematics data) and communicatethe drive data, via a wired (e.g., USB) or wireless (e.g., BLUETOOTH)connection, to a mobile computing device 141 a within the same vehicle302 so that the mobile computing device 141 a may evaluate the drivedata and/or send notifications (providing evaluated drive data and/orraw drive data).

Further, the vehicle computing device 341 may be configured to connectto one or more devices (e.g., a GPS, sensors, etc.) installed on thevehicle 302, such as to collect the drive data. In some embodiments, thevehicle computing device 341 may be a computing system includingmultiple devices. For example, in some cases the vehicle computingdevice 341 may include the vehicle's on-board diagnostic (OBD) system.The vehicle computing device 341 may be configured to interface with oneor more vehicle sensors (e.g., fuel gauge, tire pressure sensors, enginetemperature sensors, etc.). The vehicle computing device may beconfigured to communicate directly or indirectly (e.g., through a mobilecomputing device 141 a) with the vehicle telematics management system.In some embodiments, there might not be a vehicle computing device 341installed on the vehicle 302 that is configurable to interface with thevehicle telematics management system, or the vehicle computing device341 might not be able to communicate with a mobile computing device 141a.

In some cases, an autonomously controlled vehicle (e.g., the vehicle302) may be controlled by its vehicle computing device 341 and/or aremote computing device (not shown) via the network 301 or anothernetwork. The vehicle computing device 341 may employ sensors forinputting information related to a vehicle's surroundings (e.g.,distance from nearby objects) and use the inputted information tocontrol components of the vehicle 302 to drive the vehicle 302.

In some cases, the vehicle telematics management system 300 may includeone or more application servers 305. The application servers 305 may beconfigured to receive notifications (which may include the raw vehicletelematics data or information indicating driving events) from devices(e.g., the mobile computing device 141 a, the vehicle computing device341, etc.) and process the notifications to determine whether conditionsare met (e.g., whether insurance provider restrictions have beenviolated). The application servers 305 may include one or more databasesfor associating one or more mobile computing devices 141 a and/or one ormore vehicle computing devices 341.

One or more vehicle types may be utilized by a driver in accordance withaspects of this disclosure. For example, the vehicle types may include apersonal vehicle type, governmental vehicles, and/or one or morecommercial vehicle types, or other vehicle types that may be subject toinsurance. The personal vehicle types may include a personal vehicleregistered to an individual (or an estate) including, but not limited toa car, a minivan, a van, a truck, a pickup truck, a sports utilityvehicle, a recreational vehicle, a motorcycle etc. Illustrativecommercial vehicle types may include fleet vehicles such as taxis,limousines, personal vehicles used for business purposes (e.g., a ridesharing business, a delivery service, a courier service, etc.). Otherillustrative commercial vehicles may include trucks (e.g., a concretetransport truck, a mobile crane, a dump truck, a garbage truck, a logcarrier, a refrigerator truck, a tractor unit, a platform truck, avehicle transport truck, a flatbed truck, a box truck, a panel van, atow truck, a canopy express, a pickup truck, a cab-forward truck, apanel truck, a panel van, an ambulance, etc.) and/or buses (e.g., amotor coach, a school bus, etc.). Other vehicles used for commercialpurposes may also exist and be applicable to aspects of the disclosure.In some cases, the vehicle types may include other vehicle types thatmay or may not be included in the above vehicle types, such as certaingovernmental vehicles (e.g., certain police vehicles, fire trucks,ambulances, military vehicles, etc.), farming equipment (e.g., tractors,combines, harvesters. etc.), recreational vehicles (e.g., boats,off-road vehicles, etc.), and the like. In some cases, a businessorganization may operate a fleet of vehicles and may monitor orotherwise analyze a frustration level associated with each vehicle,either in near real time and/or after one or more trips have beencompleted for at least one vehicle in the fleet. In performing suchanalysis, the business organization may determine one or more times ofday, weather conditions, and/or routes that are more likely to beassociated with a higher level of driver frustration. As such, thebusiness organization may be able to better manage the deployment oftheir vehicles to avoid, or at least minimize, the particular times ofday, route segments, weather conditions which may lead to higher levelsof driver frustration. An insurance company may incentivize thismanagement of driver activity by offering a reduction in insurancecosts, or other reward to the business organization.

FIG. 4 depicts an illustrative block diagram of an interior space of avehicle 400 accessible at least to a driver of the vehicle in accordancewith aspects of this disclosure. Within the interior space of thevehicle, the driver, or other occupant, may have access to one or moreof a steering wheel 410, a user interface device 420 associated with thevehicle, one or more input devices 430 (e.g., a button, a knob, a touchscreen interface, etc.) associated with the user interface device 420, apersonal computing device 440 (e.g., the smart phone 220 a, tablet 220c, laptop 220 c, the personal navigation device 110 b, etc.). In somecases, the personal computing device 440 may be placed in a locationaccessible to the driver. The personal computing device 440 may bephysically mounted or otherwise secured to a surface within interiorspace of the vehicle. In some cases, the personal computing device 440may not be secured to the interior of the vehicle, but located on asurface or within a cavity provided on an interior surface of thevehicle. For example, the personal computing device 440 may be placed ona table or console, or placed within a cup holder or the like. Thepersonal computing device 440 may include one or more input devices(e.g., a physical button, a button implemented on a touch screen display445, a microphone 447, or the like. In some cases, an affixed inputdevice 450 may be provided and accessible to a driver or other occupantof the vehicle 210. For example, the input device may comprise a buttonaffixed to the steering wheel or other surface readily (and safely)accessible to the driver while in motion. In other cases, the inputdevice 450 may comprise a microphone capable of receiving an audio inputfrom the user that may be indicative of a level of driver frustration.The input device 450 may also comprise one or more sensors capable ofproducing a signal representative of the driver's comfort level (e.g.,level of frustration) while driving. Such input devices may includepressure sensors (e.g., near a grip area of the steering wheel 410),heartrate sensors respiration sensors, cameras, and/or the like.

In some cases, the input device 450 may be installed by a vehiclemanufacturer and be permanently affixed to a surface of the vehicleinterior. In other cases, the input device 450 may be installed as anafter-market device. In either case, the input device may becommunicatively coupled to a communication device (not shown) that maybe configured to communicate the subjective risk information to one ofthe user device 450, such as by using Bluetooth, or other local wirelessor wired communication protocol. In other cases, the input device may beconfigured to communicate driver frustration level information via atelecommunications network directly to the road frustration indexanalysis system 250. In some cases, one or more sensors may be used(e.g., biometric sensors, pressure sensors, microphones, etc.) may beused to generate a signal representative of a driver's level offrustration, without the driver consciously providing the information.For example, one or more biometric sensors may be used to sense anincrease in a heart rate, breathing rate, and/or the like. In othercases, a pressure sensor may be embedded within the steering wheel ofthe vehicle and configured for sensing a grip pressure (e.g., an ongoingpressure). Such examples illustrative and are not to limit the sensortype or location to the enumerated examples.

In an illustrative example, the input device 450 may include one or morebiometric sensors capable of sensing biometric information correspondingto the driver. The input device 450 may include a sensor for measuring arate of a heartbeat, such as by using an infrared sensor. For example,an infrared (e.g., heat) sensor may be used to measure a heartbeat ratethrough the skin (e.g. of the finger) of the driver. In some cases, aheartbeat, and/or the heartbeat rate (relative to a baseline measuredfor the driver) may be used to determine when a user is experiencing adriving-related frustration as well as the relative level of frustrationbeing experienced. For example, the road frustration index analysissystem 250 may analyze the sensor data and relative heartbeat rate whendetermining the road frustration index value for each of a plurality ofroad segments along the route. In an illustrative example, the inputdevice 450 may further comprise a biometric sensor measuring an eyemovement, such as by using an imaging device such as a video camera,and/or a heat (infrared) sensor, etc. For example, a video camera may belocated within the interior space for the vehicle 400. This video cameramay be used to monitor eye activity (e.g., a movement, etc.) todetermine whether a driver's eyes are relaxing and/or whether the driveris falling asleep. In another illustrative example, the video camera maycapture whether a driver is intensely concentrating or looking rapidlyaround in many different directions to determine when a user isexperiencing elevated frustration, as well as the relative level offrustration.

In an illustrative example, one or more pressure sensors may be includedin the steering wheel to monitor an on-going pressure on the wheel. Forexample, a time duration corresponding to a light grip pressure may becorrelated to one or more route segments in which the driver has minimalstress. Similarly, a time duration corresponding to a higher grippressure may be correlated to one or more route segments in which thedriver has experienced an elevated level of stress. A short duration ofhigher pressure may correspond to a location along a route in which adriving event occurred. In such a manner, a driver's stress level and/orfrustration level may be measured without, or with minimal, input on thedriver's part. Similarly, an imaging device, such as a video camera maybe positioned so that the driver's eye activity may be monitored todetermine whether the driver's eyes are relaxing, if the driver isfalling asleep, if the driver is intensely concentrating or lookingrapidly around in many different directions. Such eye activity may becorrelated to levels of low stress (e.g., relaxing eyes, falling asleep)or levels of elevated stress (e.g., intense concentration, lookingrapidly, etc.). The sensors may be used instead of, or in combination,with other methods of measuring a level of driver unease (e.g.,frustration). For example, one or more thermal sensors or thermalimaging sensors (e.g., an infrared sensor) may be used to monitor adriver's heartbeat, where an increasing heart rate may be correlated toan increasing level of stress. Also, if a driver's temperature isincreasing (e.g., heating up) may be correlated to an increasing levelof frustration, anger, or other such emotion.

In an illustrative example, the driver of the vehicle may experience oneor more instances of unease at particular times and/or places along aroute. In doing so, the driver may use the input device 450, 445 toindicate a current level of frustration. In doing so, the driver maygenerate frustration level information that may be used to determine thedriver's tolerance level towards one or more types of subjective and/orobjective risk (e.g., heavy traffic, poor weather conditions, etc.).When triggered, the input device 445, 447 may cause another device, suchas the user device 440 to capture and/or store frustration levelinformation corresponding to the event.

Likewise, the user device 440 may also receive other information toenhance the accuracy of the road frustration level value associated withone or more segments of a travel route. For example, the user device 440may receive the time of day when the driver is driving (or plans todrive) through a particular travel route. This information may improvethe accuracy of the calculated road frustration level value. Forexample, the driver may know, or suspect, that a particular segment ofroad through an urban area may have a higher level of traffic loadingduring certain times of day (e.g., from about 7 AM to about 9 AM, fromabout 3 PM to about 7 PM, etc.) and/or during different weatherconditions (e.g., rain events, snow events, etc.). As such, the drivermay experience frustration when driving along that route segment and mayutilize the input 447, 450 to indicate this feeling on frustration. Insome cases, this route segment through the urban area may have a higherlevel of traffic loading during the morning rush-hour times, than duringthe evening rush hour times. In such cases, the driver may not indicateany feeling of frustration when travelling this route segment during theevening. However, the driver may still experience frustration along thatparticular stretch of road during the morning hours. Therefore, the timeof day may also be considered when determining the appropriate level offrustration. In addition, the user device 440 may receive otherinformation to improve the accuracy of the frustration index value for aparticular segment of a travel route. Some examples of this otherinformation include, but are not limited to, the vehicle's speedcompared to the posted speed limit, etc. In some cases, the user device440 may include a location device (e.g., a global positioning device, acellular network positioning system, etc.) to determine a locationassociated with the level of frustration experienced by the driver.

In some cases, such as when the user device 450 is a device capable ofcommunication via a cellular network, the road frustration index valuesmay be communicated from the vehicle 210 to the road frustration indexanalysis system 250 via the cellular network in near real-time. In othercases, the road frustration index information may be stored within amemory of the user device 440 until the user device 450 is able tocommunicate the information, such as when the user device is inproximity of a wireless network (e.g., a Wi-Fi network). The memory maybe embodied in a non-volatile memory (e.g., in a memory in personalnavigation device 110) or portable media (e.g., CD-ROM, DVD-ROM, USBflash, etc. connected to personal computing device 108).

In some cases, the vehicle computing system may be used in addition to,or in place of, one or more other components. In such cases, the vehiclecomputing system may be used to collect data, analyze data, calculateone or more weighting factors or otherwise customize the mathematicalalgorithm, and/or generate a road frustration index value for one ormore route segments.

FIG. 5 shows an illustrative method 500 to determine a road frustrationindex associated with a road segment in accordance with aspects of thisdisclosure. At 510, the road frustration analysis system 250 may receiveinformation corresponding to a route to be traveled by a vehicle. Insome cases, the road frustration analysis system 250 may receive routeinformation before a trip begins. In some cases, the route informationmay be received as a vehicle travels along a route segment. In somecases, additional information about a driver of the vehicle, or thevehicle itself may be retrieved from a data store, such as from theaccount information database 254. This additional information mayinclude user demographic information, car make and model information forthe vehicle, driver's license information (e.g., personal driver'slicense, commercial driver's license, etc.), insurance policyinformation, a driver experience level, and the like. In some cases,this additional information may include historical informationcorresponding to the route, such as historical traffic information,historical weather information, and the like.

At 520, the road frustration analysis engine 252 of the road frustrationindex analysis system 250 may identify one or more road segments alongthe travel route, and in doing so, may identify a road classificationtype. In some cases, the road classification system may be retrievedfrom a database storing information associated with road speed limits,road location (e.g., city road, rural road, residential road, mountainroad, and the like), and/or road classification types (e.g., interstatehighway, state highway, divided highway, county road, residential road,city street, etc.). In many cases, a speed limit, or other suchinformation (e.g., a school zone location, time restricted speed zones,traffic pattern changes, commuter lanes, etc.) may be retrieved and usedby the road frustration analysis engine in determining a roadfrustration index value.

In some cases, the road frustration index value generated by the roadfrustration index analysis system 250 may be in the form of a numericrating of a frustration that may be experienced by the driver (e.g., arating of 0 to 10 where 1 corresponds to a low level of frustration and10 corresponds to a high level of frustration). In some cases, the roadfrustration index value may be communicated in the form of apredetermined category (e.g., low frustration, medium frustration, andhigh frustration). At least one benefit of displaying the subjectiverisk score in this form is the simplicity of the resulting display forthe driver and/or the ease of user in using the frustration index valuein identifying a route minimizing potential frustration causing routesegments that the driver may wish to avoid.

At 530, the road frustration analysis engine 252 may processinstructions to calculate a road frustration index value associated witha route segment. In some cases, the road frustration analysis engine 252may calculate the road frustration index value for a route segment innear real-time, such as for a route segment being traveled by thevehicle. In some cases, the road frustration analysis engine 252 maypredict a road frustration index value for a vehicle traveling on theroad segment at a future time, either as a next route or other futureroute segment of a route currently being traveled. In some cases, theroad frustration analysis engine 252 may predict a road frustrationindex for one or more route segments of a route to be traveled by thevehicle at a future time or date.

In some cases, the road frustration analysis engine 252 may calculate aroute frustration index value for a route segment based upon one or moremodels that each may be associated with a road classification type, suchas a model associated with a highway and/or non-arterial roads (e.g., asshown in FIG. 7) a model associated with residential roads (e.g., asshown in FIG. 8), a model associated with country roads, etc. In somecases, the models may be modified, or may have inputs used to modify themodel parameters (e.g., weighting parameters, etc.) to account forvariations in road conditions that may affect a driver's perception of afrustration inducing road condition, such as traffic congestion. Forexample, weighting factors may be used to provide more or less weight toweather conditions (e.g., rain, snow, fog, sun, etc.) that may have aneffect on traffic conditions.

Turning to FIG. 7, the road frustration index (RFI) model may correlatefrustration to a percentage of rated speed at which a vehicle can travelupon a particular road segment. Such information may be gatheredempirically, such as by allowing users to input a current frustrationlevel (e.g., high, medium, low, etc.) as the vehicle travels along aroute segment. Such information may be gathered at different times ofday, in different weather conditions, in different road conditions(e.g., no traffic, light traffic, high congestion, construction, etc.)and processed along with the driver input information aggregated for aplurality of drivers over a period of time. For example, suchinformation may be gathered over a period of days, weeks, months, etc.and aggregated or otherwise processed to determine ranges of speed thatcorrespond to different levels of frustration for a driver. In somecases, this information may be used when predicting, or calculating, aroad frustration index for the same road segment upon which theinformation was gathered. In some cases, the road frustrationinformation models 700, 800, may be used for particular roadclassification types.

In the illustrative example of FIG. 7, the RFI model 700 for highwaysand non-arterials may include a plurality of road frustration indexvalues ranging from a low value associated with no frustration beingexperienced by a driver (e.g., 0), to total frustration beingexperienced by the driver, such as at a road closure (e.g., 10). Thespeed range from 0 to the rated speed limit (and above) may be dividedinto a plurality of speed ranges (e.g., Range_1, Range_2, . . .Range_10, road closure, etc.), such as by defining ranges in terms of %of the rated speed limit. In some cases, a road frustration index modelmay use actual speed values rather than percentages. In an illustrativeexample, the RFI model 700 may include a first speed range correspondingto road conditions that may not preclude driving at the rated speedlimit (e.g., a range x≧speed limit) may be associated with conditionsthat may cause little to no frustration being experienced by the driverresulting in a RFI value of 0 being associated with that particularroute segment. In some cases, road conditions (e.g., traffic congestion,weather conditions, road construction conditions, time-based trafficrestrictions, etc.) may cause traffic to move at speeds less than therated speed of the road segment. In such cases, frustration may beexperienced by the driver as speeds drop, and travel delays rise. Thisfrustration may increase in a linear or non-linear manner in relation tothe percentage of speed below rated speed. In the illustrative RFI model700, the RFI values have been associated with 12 speed ranges eachhaving an associated RFI value. In some cases, an RFI model may belinear (e.g., each speed range may be the same as or similar to each ofthe other speed ranges. In some cases, the RFI models may have differentspeed ranges for each of the such that the RFI has a non-lineardistribution. For example, Range_1 corresponds to a first rage of speedfrom about a first percentage a % of the rated speed (e.g., 10%, 20%,30%, etc.) corresponding to a wide range of speeds under the rated speedat which a driver may experience little frustration, with or withoutfactors outside of vehicle speed and a road classification type, beingtaken into account. In some cases, an RFI model may include a linear ornear linear distribution where driver frustration may be found toincrease in an increasing manner, such as an approximately linearincrease in frustration levels as a vehicle speed decreases from therated speed. In the illustrative example of FIG. 7, the for vehiclespeeds falling in the Range_2-Range_7 level may be increase at a steadyrate as speeds go down, where each of the speed range may have a same,or nearly the same increment, such that each of the ranges includingRange_2 to Range_7 may decrease by a same percentage (e.g., 3%, 4%, 5%,etc.). For example, if the speed limit for a highway road segment was 60miles per hour, each of Range_2 to Range_7 may correspond to a range of5% of the rated speed, such that a 3 mile per hour speed difference maycause a common increase in frustration (e.g., about 1) per 5% speedincrement. As the possible vehicle speeds drop closer to 0 (e.g., underabout 50% of rated speed, under about 60% of rated speed, etc.), afrustration level may increase in a highly non-linear (e.g.,exponential) manner, such that speeds approaching 0 (e.g., 0.1%, 0.2%,0.5% of rated speed), such as in Range_10, may be found to cause nearlyas much frustration (e.g., an RFI value of 9.9) as a road closure (e.g.,RFI value of 10). To account for errors and/or other unforeseenconditions, the model may include a known wrong RFI value (e.g., −1,−100, +100) such that an error condition in the RFI model may be easilyfound and corrected.

FIG. 8 shows an illustrative table corresponding to an RFI model 800 foruse in determining a travel time delay associated with an illustrativeroad segment for a driver according to aspects of this disclosure. Insome cases, the road frustration analysis engine 252 may aggregate RFIvalues determined for each route segment of a travel route, such as todetermine a total or aggregate RFI value for the route. In some cases,the RFI model may include weighting factors, such as a Time Travel Delay(TTD) multiple that may be used in weighting an RFI value for differentspeed ranges that may be encountered over adjacent route segments. Forexample, the illustrative model may have different TTD values fordifferent speed ranges, such that at a rated speed of a road segment,the TTD multiple may be set to a value of about 1. At a slower speedrange (e.g., near about 60% of rated speed, the TTD multiple may be ahigher multiple (e.g., about 1.2, about 1.5, etc.) and at a differentslower speed range (e.g., about 50% of rated, about 33% of rated, etc.),the TTD multiple may increase to a higher value (e.g., about 2, about 3,etc.). As the vehicle speed approaches 0, the driver frustration mayincrease over time, such as in response to an increase in driving delaysto reach a destination, such that a TTD multiple may increase to anotably higher value (e.g., about 8, about 8, about 10, etc.) such thatthe RFI value associated with a route having extended delays can moreaccurately reflect the frustration being experience or predicted to beexperienced by a driver of a vehicle traveling on that route.

In an illustrative example, the RFI model 800 used to compute anaggregate RFI value corresponding to multiple road segments of a travelroute may take into account many variables including an actual totalroute travel time, an expected route travel time (e.g.,total_base_time), a total time spent in traffic (e.g.,total_traffic_time), a total distance, which may then be used along witha TTD multiple. For example, the RFI aggregate value for a route may becalculated based on the RFI values determined for subsequent segmentsalong the route, such as by using:RFI_(Aggregate)=RFI[NEXT]+(RFI[NEXT]−RFI[PREV])/(delayMult[NEXT]−delayMult[PREV])*(delayMult[ACTUAL]−delayMult[NEXT])  (1)Where:delayMult=total_traffic_time/total_base_time;NEXT corresponds to the next route segmentPREV corresponds to the previous route segment andACTUAL corresponds to the current route segment

To calculate an aggregate route frustration index value (e.g., afrustration trend), an illustrative method may include calculating orestimating a base time corresponding to an actual expected for travelingeach route segment along a route based on rated speed for the roadand/or historical traffic information and a route distance. Oncecalculated, for every route segment base time and distance, a timeweight (Tw) parameter and a distance weight (Dw) parameter may becalculated, such as by usingTw_(seg)=(SegBaseTime)/(RouteBaseTime); and  (2)Dw_(seg)=(SegDistance)/(RouteDistance),  (3)Where:SegBaseTime is an expected travel time associated with traveling aparticular segment;RouteBaseTime is an expected travel time associated with traveling aparticular route;SegDistance is distance of a particular route segment; andRouteDistance is a total distance of the route including a plurality ofsegments.

A Segment RFI (e.g., RFI_(seg)) may be calculated for each route segmentand a Route RFI (e.g., RFI_(route)) where the segment RFI, RFI_(seg),may be retrieved from an RFI model look-up table, such as RFI model 700or RFI model 800, based at least on a vehicle speed, a rated speed, anda road type for a vehicle traveling or predicted to be traveling on theparticular route. The RFI aggregate value for the route may becalculated as:RFI_(route)=Σ_(I)RFI_(route)[Segment_(i)]*Dw[Segment_(i)]  (4)

Returning to FIG. 5, at 535, an RFI value (e.g., a segment RFI, a routeaggregate RFI, etc.) may be compared to a criterion, such as a thresholdRFI value corresponding to a frustration level at which a driver may beat greater risk of performing risky driving events, and/or may besubject to risky driving events performed by another driver in proximityto the driver's vehicle. If the RFI value is not greater than thethreshold, the travel route may be presented to the user for use innavigating between a start location and an end location at 540. If, at535, the RFI value meets the criterion (greater than, greater than orequal to, etc.) the criterion, then the road frustration index analysissystem 250 may be used to access the mapping information 270, the routefrustration models, and/or additional information (e.g., weatherinformation, traffic information, objective risk information, subjectiverisk information, etc.) when generating one or more alternate travelroutes or route segments between the desired start location and endlocation of a trip at 550. The RFI values may be calculates for each ofthe newly generated routes, similarly to 530, and then one or more ofthe routes may be presented to the user at 560.

At 570, the route frustration index engine 252 may monitor the vehicle'strip, such as analyzing locally to a computing device (e.g., asmartphone, a laptop, a vehicle computing system, etc.) associated withthe vehicle and/or by using information (e.g., vehicle speed, vehicleacceleration, location information, etc.) communicated from the vehicleto a remotely located route frustration index computing system 250. Theroute frustration index engine 252 may compute an RFI value associatedwith a plurality of route segments along and/or near the route beingtraveled by the vehicle at 580.

At 590, an insurance computing system may receive route frustrationindex information and may process such information to generate aninsurance premium and/or an incentive corresponding to insurancecoverage for a driver based on a road frustration index valuesassociated with a route traveled in the vehicle. For example, ause-based insurance product may process RFI values associated with aroute segment and provide an insurance premium value based at least inpart on the RFI value and/or an associated insurance risk associatedwith the RFI value. In some cases, the driver may receive an insurancecredit deposited into an account when a travel route having an RFI lessthan the threshold value is chosen over another route having a higherassociated RFI value. Such insurance incentives are illustrative andother such insurance incentives may be possible.

In some cases, under the Environmental Risk Variable (ERV) approach andin accordance with aspects of this disclosure, each point of riskassociated with driver frustration and an RFI level has a risk valuethat may reflect any or all information that is not derived fromrecorded accidents and/or claims, but that may be the (direct orindirect) cause of an accident. In one embodiment, the risk value underthe ERV approach may be derived from vehicle information transmitted bya data source 104, 106. In an alternate embodiment, the EVR approach mayuse compound variables based on the presence or absence of multipleroute frustration considerations which are known to frequently, orseverely, cause accidents. A compound variable is one that accounts forthe interactions of multiple risk considerations, whether environmentalor derived from recorded accidents and/or claims. For example, drivingthrough a congested highway late at night would generate a greater RFIvalue than driving through similar traffic congestion at an expectedtime, such as during rush hour. The interaction of time of day andgeographic area and/or geographic type would be the compound variable.Another example may consider current weather conditions, time of day,day of the year, and topography of the road. A compound variable may bethe type of infrequent situation which warrants presenting a verbalwarning to a driver (e.g., using a speaker system in a personalnavigation device 110 mounted in a vehicle) of a such a route.

Another possible approach may be to calculate the route frustrationindex value using one or more of the approaches described above dividedby the length of the route traveled. This may provide an average routefrustration index value for use in conjunction with a mileage ratingplan. In one embodiment, the system combines route frustration indexvalues and conventional mileage data to calculate risk per mile rating.

In one embodiment, a device in a vehicle (e.g., personal navigationdevice 110, mobile device 112, etc.) may record and locally store theroute and/or the route and time during which a route was traveled. Thistravel route information may be uploaded via wireless/wired means (e.g.,cell phones, manually using a computer port, etc.). This travel routeinformation may be used to automatically query a data source 104, 106for route rating information and calculate a total risk value.

The route frustration index risks described above may be variables in amultivariate model of insurance losses, frequencies, severities, and/orpure premiums. Interactions of the variables would also be considered.The coefficient the model produces for each variable (along with thecoefficient for any interaction terms) would be the value to apply toeach subjective risk type. The user device and/or the personalnavigation device 110 may initially provide the quickest/shortest routefrom a start location A to an end location B, and then determine theroute frustration index value by determining either the sum product ofthe number of each route frustration index parameters and the value forthat route frustration index or the overall product of the number ofeach route frustration index and the value for that route frustrationindex. (Traffic and weather conditions could either be included orexcluded from the determination of the route frustration index value forcomparison of routes. If not included, an adjustment may be made to theroute risk value once the route has been traveled). The driver may bepresented with an alternate route which is less risky than the initialroute calculated. The user device and/or the personal navigation device110 b may display the difference in route frustration between thealternate routes and permit the driver to select the preferred route. Insome embodiments in accordance with this disclosure, a driver/vehiclemay be provided a monetary benefit (e.g., a credit towards a futureinsurance policy) for selecting a route having lesser route frustrationindex values.

In another embodiment: the insurance policy may be sold and priced inpart based on where a customer falls within a three sigma distributionof risk units consumed by all insured per a typical policy period. Thepolicy pricing may be based on an initial assumption of risk (e.g., riskdue to objective risks, subjective risks, route frustration risks, etc.)to be consumed in the prospective policy period or may be based onsubjective risk consumed in a preceding policy period. In a case wherethe number of risk units consumed is greater than estimated, thecustomer may be billed for the overage at the end of (or during) thepolicy period. In yet another embodiment, the system may be provided asa pay-as-you-drive coverage where the customer is charged in part basedon the actual risk units consumed in the billing cycle. The system mayinclude a telematics device that monitors, records, and periodicallytransmits the consumption of risk units to processor 114 that mayautomatically bill or deduct the cost from an account.

FIG. 6A illustrates segments 601 at an example intersection between tworoads. Each arrow represents a different segment of the road. A two laneroad may have two segments—one for each lane. The direction of the arrowcorresponds to the direction of travel for the corresponding segment.For example, referring to FIG. 6A, road segment 601 a may correspond toa southbound lane of a road, whereas road segment 601 b may be anorthbound lane of the same road. Also, as shown in FIG. 6A, some roadsegments may represent turns that could be made to get from one lane onone road to another lane on another road. Accordingly, and asillustrated in FIG. 6A, segments may overlap or cross paths.

In addition, segments may have different lengths. In FIG. 6A, the roadon the right of the intersection has three segments—one segment fortravelling in a left direction and two segments for traveling in a rightdirection. Notably, one of the segments for traveling in the rightdirection is longer than the other. This may be because the othersegment corresponds to a lane that ends (e.g., a turn lane, merge lane,or shoulder).

For ease of understanding, the segments in FIG. 6A were treated assegments of a road (e.g., road segments), but it should be understoodthat the intersection could be between two waterway channels or twoflight paths and thus the segments could be waterway segments or airwaysegments. In such cases, similar principles as those discussed above forthe road segments could apply.

FIG. 6B illustrates an example composition of a segment. Each segmentmay have a starting point 602, a middle portion 603, and an ending point604. The starting point 602 and the ending point 604 may be defined by3D coordinates (e.g., GPS coordinates representing a latitude,longitude, and altitude). The middle portion 603 may be defined by a setof 3D coordinates or a vector.

Each segment in FIGS. 6A and 6B may be associated with a risk score. Therisk score may be a value within a predefined range (e.g., 0 to 100). Insome embodiments, the risk score may change over time or be variabledepending on various conditions (e.g., weather, traffic, etc.). In someembodiments, the risk score of a segment may be different for differentportions of the segment. For example, the risk score at the startingpoint 602 of a segment may be different than the risk score at theending point 604 of the segment. The risk score throughout the middleportion 603 of the risk score may also vary.

While this disclosure has been described with respect to specificexamples including presently exemplary modes of carrying out thisdisclosure, those skilled in the art will appreciate that there arenumerous variations and permutations of the above-described systems andtechniques that fall within the spirit and scope of this disclosure.

I claim:
 1. A system comprising: a vehicle telematics system comprisinga sensor sensing a speed of a vehicle; a computing device comprising: aprocessor; and a non-transitory memory device storing instructions that,when executed by the processor, cause the computing device to: receive,from the vehicle telematics system, speed information representative ofa current vehicle speed; receive, from a mobile location detection unit,information identifying a road class associated with each of a pluralityof route segments upon which the vehicle is travelling; calculate, innear real-time and based on the speed information and the road class, afirst frustration level value associated with a first route segment anda second frustration level value associated with a second route segment,wherein the first frustration level value and the second frustrationlevel value are associated with a driver of the vehicle and wherein thesecond route segment is an alternate route segment to the first routesegment; output, on a display, a visual representation of the firstroute segment associated with the first frustration level value and thealternate route segment associated with the second frustration levelvalue; and communicate, via a network to a remote computing system,information associated with the first route segment and the second routesegment, wherein the remote computing system calculates cost informationcorresponding to insurance coverage for the driver based on roadfrustration index values associated with a route traveled in thevehicle.
 2. The system of claim 1, wherein the mobile location detectionunit is one of a mobile location tracking device and a globalpositioning satellite unit.
 3. The system of claim 1, wherein the costinformation is one of an insurance premium and/or an insuranceincentive.
 4. The system of claim 1, the instructions, when executed bythe processor, further cause the computing device to: identify, based onwhether the first frustration level value meets a criterion, thealternate route segment having the second frustration level valuepredicted to be less than the first frustration level value.
 5. Thesystem of claim 1, wherein the mobile location detection unit is one ofa smartphone, a wrist-mounted computing device, or a mobile computerdevice.
 6. The system of claim 1, wherein the instructions, whenexecuted by the processor, further cause the computing device to:identify at least two or more alternate route segments having afrustration level less than the first frustration level value; andcommunicate, to the driver, at least one of the two or more alternateroute segments.
 7. The system of claim 1, wherein the road classcorresponds to a residential road class.
 8. The system of claim 1,wherein the road class corresponds to a non-arterial road class.
 9. Thesystem of claim 1, wherein the road class of a first route segment ofthe plurality of route segments is a non-arterial road class and asecond route segment of the plurality of route segments comprises aresidential road class.
 10. A system comprising: one or more sensorsconfigured to: detect sensor information associated with a vehicle; afirst computing device configured to: receive trip request informationindicating a destination of trip to be traveled by the vehicle driven bya driver; determine a route for the driver to travel in the vehiclebased on the trip request information; receive the sensor information,base map information, vehicle information, driver information, andtraffic information, wherein the sensor information comprises attributeinformation associated with a plurality of route segments; predict afrustration index value for each route segment of the plurality of routesegments forming the route based on the base map information, thevehicle information, the driver information, the sensor information, andthe traffic information to obtain a plurality of frustration indexvalues; generate a frustration index level map based on the plurality offrustration index values scores and the route for display to the driveron a display; and send, via a communication link to a remote computingdevice, the plurality of frustration index values scores associated withthe route, wherein the remote computing device calculates an insurancecost based on the route.
 11. The system of claim 10, further comprising:a communication interface communicatively coupled to the communicationlink; and wherein the first computing device is further configured to:retrieve, via the communication link, weather information correspondingto the plurality of route segments; and predict the frustration indexvalue for each of the plurality of route segments using the weatherinformation corresponding to a time at which the vehicle is predicted tobe traveling along a particular route segment.
 12. A computing devicecomprising: a processor; and a non-transitory memory device storinginstructions that, when executed by the processor, cause the computingdevice to: receive, from a vehicle telematics device, speed informationrepresentative of a current vehicle speed of a vehicle; receive, from amobile location detection unit, information identifying a road classassociated with each of a plurality of route segments upon which thevehicle is travelling along a route; calculate, in near real-time andbased on the speed information and the road class, a first frustrationlevel value associated with a driver of the vehicle; identify, based onwhether the first frustration level value meets a criterion, analternate route segment having second frustration level value predictedto be less than the first frustration level value; generate, afrustration index level map displaying a first route segment associatedwith the first frustration level value and the alternate route segmenthaving the second frustration level value; display, on a display device,the frustration index level map to a user; and send, via a communicationlink to a remote computing device, a plurality of frustration indexvalue scores associated with the route, wherein the remote computingdevice calculates an insurance cost based on the route.
 13. Thecomputing device of claim 12, wherein the non-transitory memory devicestores instructions that, when executed by the processor, cause thecomputing device to: receive, from the user, a start location and an endlocation of a travel route; calculate, based on historical trafficinformation and road type information, a plurality of routes between thestart location and the end location, wherein each of the plurality ofroutes includes two or more route segments; and calculate, based on aroad frustration index model, a road frustration index value for eachroute of the plurality of routes; and communicate, to the user, anindication of at least one of the plurality of routes and an indicationof an associated road frustration index value.
 14. The computing deviceof claim 12, wherein the non-transitory memory device storesinstructions that, when executed by the processor, cause the computingdevice to: calculate, based upon a road type classification, a roadfrustration index value for each of the plurality of route segments,wherein the road frustration index value is calculated based on the roadfrustration index value of the plurality of route segments.
 15. Thecomputing device of claim 12, wherein the road class corresponds to aresidential road class.
 16. The computing device of claim 12, whereinthe road class corresponds to a non-arterial road class.
 17. Thecomputing device of claim 12, wherein the road class of a first routesegment of the plurality of route segments is a non-arterial road classand the road class of a second route segment of the plurality of routesegments is a residential road class.
 18. The computing device of claim12, wherein the non-transitory memory device stores instructions that,when executed by the processor, cause the computing device to:communicate, via a wireless communication link, the first frustrationlevel value and the second frustration level value to a route riskmitigation computing system; and receive, via the wireless communicationlink, an indication of a location of one or more risks along each of theplurality of route segments upon which the vehicle is travelling; anddisplay, to the user, an indication of each of the one or more risksalong each of the plurality of route segments upon which the vehicle istravelling.
 19. The system of claim 18, wherein at least one of therisks displayed to the user comprises an indication of a predicted roadfrustration index value corresponding to an associated route segment.20. The system of claim 18, wherein at least one of the risks displayedto the user comprises an indication of a predicted objective risk or apredicted subjective risk corresponding to an associated route segment.